Is FICO a good stock to buy right now?

Based on our 6-factor quantitative model, FAIR ISAAC CORP (FICO) receives a "Reduce" rating with a composite score of 44.6/100. It is ranked #3,253 out of 4,446 stocks. Key factor scores: Quality 50/100, Value 50/100, Momentum 25/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for FICO?

FAIR ISAAC CORP (FICO) has a "Reduce" rating and 2-star score. The composite score of 44.6 ranks it #3,253 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is FICO in?

FAIR ISAAC CORP operates in the Industrials sector (Business Services industry) with a market cap of $25.19 billion. It is classified as a large-cap stock.

Does FICO pay a dividend?

FICO does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is FICO's P/E ratio?

FICO has a trailing P/E ratio of 38.83x. The Industrials sector average is 28.3x. This above-average P/E reflects growth expectations or premium valuation.

How profitable is FICO?

FICO's quality factor score is 50/100. Gross margin: 83.0%. ROE: -50.5% vs sector average 8.9%. High margins suggest pricing power and competitive moats.

How is FICO valued compared to peers?

FICO's value factor score is 50/100 (higher = cheaper). Key multiples: P/E 38.8x, EV/EBITDA 29.3x. Valuation is roughly in line with peers.

What is FICO's debt level?

FICO's debt-to-equity ratio is -177%. Sector average: 70%. Low leverage suggests conservative financial management.

FICO has a beta of 0.90, meaning it tracks the market. Stability score: 44/100.

Does FICO have high short interest?

FICO's short interest factor score is 62/100 (higher = less short selling). Moderate short interest.

FICO Stock Analysis: Reduce (Score 44.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
FICO	-13.99%	-15.36%	-28.23%	-45.44%	-50.14%	-	-	-
Industry Proxy XLI	-0.39%	+4.73%	+0.88%	+10.57%	+38.89%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-13.92%	-18.96%	-28.57%	-45.08%	-79.67%	-	-	-
Alpha vs Sector	-13.60%	-20.09%	-29.11%	-56.01%	-89.04%	-	-	-

Metric	FICO	Benchmark
P/E Ratio	38.8x	+37%
EV/EBITDA	29.3x	+414%
Price / Book	-19.6x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
STNG Scorpio Tankers Inc.	64	43	96	73	-	93.3%	63.1%	53.8%	-	30.0x	$3.8B	VS
TNK TEEKAY TANKERS LTD.	62	50	97	71	6.4x	91.9%	67.0%	32.8%	-	0.0x	$2.5B	VS
TEN TSAKOS ENERGY NAVIGATION LTD	61	50	86	75	7.6x	42.1%	97.8%	22.6%	-	103.0x	$1.2B	VS
HAFN Hafnia Ltd	60	42	79	77	-	439.1%	48.5%	27.0%	-	0.0x	$3.8B	VS
TPH Tri Pointe Homes, Inc.	57	50	67	66	13.6x	8.8%	47.5%	7.9%	-26.0%	50.0x	$4.0B	VS
GLDD Great Lakes Dredge & Dock CORP	57	50	69	70	16.3x	13.5%	22.2%	8.1%	14.8%	73.0x	$1.1B	VS
SOBO South Bow Corp	57	39	79	66	22.0x	48.4%	82.3%	14.9%	-	219.0x	$6.8B	VS
IMPP Imperial Petroleum Inc./Marshall Islands	54	44	98	58	2.8x	47.7%	100.0%	34.0%	-19.7%	0.0x	$156M	VS
CCO Clear Channel Outdoor Holdings, Inc.	52	48	58	69	59.3x	-	53.4%	-0.3%	7.7%	-	$1.2B	VS
IMXI International Money Express, Inc.	52	50	73	52	11.6x	25.5%	0.0%	6.4%	-9.7%	221.0x	$476M	VS
FICO FAIR ISAAC CORP	45	50	50	25	38.8x	-50.5%	83.0%	32.1%	14.3%	-177.0x	$25.2B

Key Ratio	TTM	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Gross Margin %	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	0.7%	0.7%	0.7%	0.7%	0.7%
Operating Margin %	0.5%	0.5%	0.5%	0.4%	0.4%	0.4%	0.4%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.5%	0.5%	0.5%	0.4%	0.4%	0.4%	0.4%	0.3%	0.2%	0.2%	0.2%
Net Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.2%	0.2%	0.1%	0.1%
FCF Margin %	8.0%	-	-	-	-	-	31.6%	26.5%	18.3%	19.2%	22.0%
ROE %	-36.6%	-8.8%	-37.3%	-53.3%	-62.4%	-46.6%	-353.4%	0.7%	0.8%	0.5%	0.3%
ROA %	0.4%	0.1%	0.3%	0.3%	0.3%	0.3%	0.3%	0.1%	0.2%	0.1%	0.1%
ROIC %	0.6%	13.3%	55.8%	-	-	-	41.9%	23.2%	23.2%	14.2%	14.9%

Key Ratio

TTM

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Gross Margin %

0.8%

0.7%

Operating Margin %

0.5%

0.4%

0.2%

EBITDA Margin %

0.5%

0.4%

0.3%

0.2%

Net Margin %

0.3%

0.2%

0.1%

FCF Margin %

8.0%

31.6%

26.5%

18.3%

19.2%

22.0%

ROE %

-36.6%

-8.8%

-37.3%

-53.3%

-62.4%

-46.6%

-353.4%

0.7%

0.8%

0.5%

0.3%

ROA %

0.4%

0.1%

0.3%

0.1%

0.2%

0.1%

ROIC %

0.6%

13.3%

55.8%

41.9%

23.2%

14.2%

14.9%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$2.1B	$2.0B	$1.7B	$1.5B	$1.4B	$1.3B	$1.3B	$1.3B	$1.0B	$935M	$881M	$839M
	—	$354M	$348M	$311M	$302M	—	—	—	—	—	—	—
	$1.7B	$1.6B	$1.4B	$1.2B	$1.1B	$984M	$933M	$933M	$687M	$647M	$881M	$568M
Gross Margin	83.0%	82.2%	79.7%	79.5%	78.1%	74.8%	72.1%	71.0%	68.7%	69.2%	100.0%	100.0%
	—	$513M	$463M	$401M	$384M	—	—	—	—	—	—	—
Research & Development	—	$188M	$172M	$160M	$147M	$171M	$166M	$166M	$128M	$111M	$104M	$99M
Depreciation	—	$11M	$9M	$10M	$15M	$26M	$30M	$32M	$30M	$36M	$32M	$34M
Total Operating Expenses	—	$712M	$636M	$560M	$533M	—	—	—	—	—	—	—
	$976M	$925M	$734M	$643M	$542M	$505M	$296M	$296M	$175M	$182M	$170M	$138M
EBIT	$976M	$925M	$734M	$643M	$542M	$505M	$296M	$296M	$175M	$182M	$170M	$138M
EBITDA	$980M	$936M	$743M	$653M	$558M	$539M	$330M	$287M	$218M	$218M	$203M	$172M
Operating Margin	47.4%	46.5%	42.7%	42.5%	39.4%	38.4%	22.9%	21.9%	17.5%	19.5%	19.2%	16.4%
EBITDA Margin	47.6%	47.0%	43.3%	43.1%	40.5%	40.9%	25.5%	22.2%	21.8%	23.3%	23.0%	20.5%
	—	—	$106M	$96M	$69M	$40M	$42M	$42M	$31M	$26M	$27M	$29M
	—	$803M	$642M	$554M	$471M	—	—	—	—	—	—	—
Income Tax Expense	—	$151M	$129M	$124M	$98M	$81M	$21M	$21M	$30M	$23M	$35M	$23M
	$661M	$652M	$513M	$429M	$374M	$392M	$236M	$236M	$126M	$133M	$109M	$87M
Net Margin	32.1%	32.8%	29.9%	28.4%	27.1%	29.8%	18.3%	16.6%	12.7%	14.3%	12.4%	10.3%
	$6.68	$26.90	$20.78	$17.18	$14.34	$13.65	$8.13	$8.13	$4.26	$4.32	$3.52	$2.75
Diluted EPS	$6.68	$26.54	$20.45	$16.93	$14.18	$13.65	$8.13	$8.13	$4.26	$4.32	$3.52	$2.75
Weighted Avg Basic	—	24M	25M	25M	26M	—	—	—	—	—	—	—
Weighted Avg Diluted	—	25M	25M	25M	26M	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$2.1B

$2.0B

$1.7B

$1.5B

$1.4B

$1.3B

$1.0B

$935M

$881M

$839M

—

$354M

$348M

$311M

$302M

—

$1.7B

$1.6B

$1.4B

$1.2B

$1.1B

$984M

$933M

$687M

$647M

$881M

$568M

Gross Margin

83.0%

82.2%

79.7%

79.5%

78.1%

74.8%

72.1%

71.0%

68.7%

69.2%

100.0%

—

$513M

$463M

$401M

$384M

—

Research & Development

—

$188M

$172M

$160M

$147M

$171M

$166M

$128M

$111M

$104M

$99M

Depreciation

—

$11M

$9M

$10M

$15M

$26M

$30M

$32M

$30M

$36M

$32M

$34M

Total Operating Expenses

—

$712M

$636M

$560M

$533M

—

$976M

$925M

$734M

$643M

$542M

$505M

$296M

$175M

$182M

$170M

$138M

EBIT

$976M

$925M

$734M

$643M

$542M

$505M

$296M

$175M

$182M

$170M

$138M

EBITDA

$980M

$936M

$743M

$653M

$558M

$539M

$330M

$287M

$218M

$203M

$172M

Operating Margin

47.4%

46.5%

42.7%

42.5%

39.4%

38.4%

22.9%

21.9%

17.5%

19.5%

19.2%

16.4%

EBITDA Margin

47.6%

47.0%

43.3%

43.1%

40.5%

40.9%

25.5%

22.2%

21.8%

23.3%

23.0%

20.5%

—

$106M

$96M

$69M

$40M

$42M

$31M

$26M

$27M

$29M

—

$803M

$642M

$554M

$471M

—

Income Tax Expense

—

$151M

$129M

$124M

$98M

$81M

$21M

$30M

$23M

$35M

$23M

$661M

$652M

$513M

$429M

$374M

$392M

$236M

$126M

$133M

$109M

$87M

Net Margin

32.1%

32.8%

29.9%

28.4%

27.1%

29.8%

18.3%

16.6%

12.7%

14.3%

12.4%

10.3%

$6.68

$26.90

$20.78

$17.18

$14.34

$13.65

$8.13

$4.26

$4.32

$3.52

$2.75

Diluted EPS

$6.68

$26.54

$20.45

$16.93

$14.18

$13.65

$8.13

$4.26

$4.32

$3.52

$2.75

Weighted Avg Basic

—

24M

25M

26M

—

Weighted Avg Diluted

—

25M

26M

—

FAIR ISAAC CORP (FICO) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does FAIR ISAAC CORP Do?

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana. FAIR ISAAC CORP (FICO) is classified as a large-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO William J. Lansing and employs approximately 3,400 people, headquartered in San Jose, Montana. With a market capitalization of $25.2B, FICO is one of the prominent companies in the Industrials sector.

FAIR ISAAC CORP (FICO) Stock Rating — Reduce (April 2026)

As of April 2026, FAIR ISAAC CORP receives a Reduce rating with a composite score of 44.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.FICO ranks #3,253 out of 4,446 stocks in our coverage universe. Within the Industrials sector, FAIR ISAAC CORP ranks #547 of 752 stocks, placing it in the lower half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FICO Stock Price and 52-Week Range

FAIR ISAAC CORP (FICO) currently trades at $920.70. The stock lost $151.65 (14.1%) in the most recent trading session. The 52-week high for FICO is $2217.60, which means the stock is currently trading -58.5% from its annual peak. The 52-week low is $1068.67, putting the stock -13.8% above its annual trough. Recent trading volume was 1.1M shares, reflecting moderate market activity.

Is FICO Overvalued or Undervalued? — Valuation Analysis

FAIR ISAAC CORP (FICO) carries a value factor score of 50/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 38.83x, compared to the Industrials sector average of 28.33x — a premium of 37%. The price-to-sales ratio is 12.47x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, FICO trades at 29.28x EV/EBITDA, versus 5.70x for the sector.

Overall, FICO's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

FAIR ISAAC CORP Profitability — ROE, Margins, and Quality Score

FAIR ISAAC CORP (FICO) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is -50.5%, compared to the Industrials sector average of 8.9%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 35.7% versus the sector average of 3.3%.

On a margin basis, FAIR ISAAC CORP reports gross margins of 83.0%, compared to 35.8% for the sector. The operating margin is 47.4% (sector: 6.2%). Net profit margin stands at 32.1%, versus 3.9% for the average Industrials stock. Revenue growth is running at 14.3% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

FICO Debt, Balance Sheet, and Financial Health

FAIR ISAAC CORP has a debt-to-equity ratio of -177.0%, compared to the Industrials sector average of 70.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $3.20B. Cash and equivalents stand at $162M.

FICO has a beta of 0.90, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for FAIR ISAAC CORP is 44/100, reflecting average volatility within the normal range for its sector.

FAIR ISAAC CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, FAIR ISAAC CORP reported revenue of $2.06B and earnings per share (EPS) of $6.68. Net income for the quarter was $661M. Gross margin was 83.0%. Operating income came in at $976M.

In Q1 2025, FAIR ISAAC CORP reported revenue of $512M and earnings per share (EPS) of $6.68. Net income for the quarter was $158M. Gross margin was 83.0%. Operating income came in at $234M.

In Q1 2026, FAIR ISAAC CORP reported revenue of $512M and earnings per share (EPS) of $6.68. Net income for the quarter was $158M. Gross margin was 83.0%. Revenue grew 0.0% year-over-year compared to Q1 2025. Operating income came in at $234M.

In FY 2025, FAIR ISAAC CORP reported revenue of $1.99B and earnings per share (EPS) of $26.90. Net income for the quarter was $652M. Gross margin was 82.2%. Revenue grew 15.9% year-over-year compared to FY 2024. Operating income came in at $925M.

Over the past 8 quarters, FAIR ISAAC CORP has demonstrated a growth trajectory, with revenue expanding from $448M to $2.06B. Investors analyzing FICO stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FICO Dividend Yield and Income Analysis

FAIR ISAAC CORP (FICO) does not currently pay a dividend. This is common among growth-oriented companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

FICO Momentum and Technical Analysis Profile

FAIR ISAAC CORP (FICO) has a momentum factor score of 25/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 52/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 62/100 reflects moderate short selling activity.

FICO vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, FAIR ISAAC CORP (FICO) ranks #547 out of 752 stocks based on the Blank Capital composite score. This places FICO in the lower half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing FICO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FICO vs S&P 500 (SPY) comparison to assess how FAIR ISAAC CORP stacks up against the broader market across all factor dimensions.

FICO Next Earnings Date

No upcoming earnings date has been announced for FAIR ISAAC CORP (FICO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FICO? — Investment Thesis Summary

The quantitative profile for FAIR ISAAC CORP suggests caution. Momentum is weak at 25/100, a headwind for near-term performance.

In summary, FAIR ISAAC CORP (FICO) earns a Reduce rating with a composite score of 44.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FICO stock.

Related Resources for FICO Investors

Explore more research and tools: FICO vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FICO head-to-head with peers: FICO vs SOBO, FICO vs TEN, FICO vs GLDD.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Q4 Earnings Highlights: CoStar (NASDAQ:CSGP) Vs The Rest Of The Data & Business Process Services Stocks

Stock Market Today, April 10: Markets Flat as Investors Watch Iran Peace Negotiations

Is It Time To Reassess Fair Isaac (FICO) After Its Sharp Share Price Pullback?

Fair Isaac (FICO) Valuation Check As Strong Earnings Meet Cautious Revenue Outlook

Facing a Precarious Economy, Gen Z Turns to Credit

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Industrials Stocks

FAIR ISAAC CORP (FICO) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does FAIR ISAAC CORP Do?

FAIR ISAAC CORP (FICO) Stock Rating — Reduce (April 2026)

FICO Stock Price and 52-Week Range

Is FICO Overvalued or Undervalued? — Valuation Analysis

FAIR ISAAC CORP Profitability — ROE, Margins, and Quality Score

FICO Debt, Balance Sheet, and Financial Health

FAIR ISAAC CORP Revenue and Earnings History — Quarterly Trend

FICO Dividend Yield and Income Analysis

FICO Momentum and Technical Analysis Profile

FICO vs Competitors — Industrials Sector Ranking and Peer Comparison

FICO Next Earnings Date

Should You Buy FICO? — Investment Thesis Summary

Related Resources for FICO Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Q4 Earnings Highlights: CoStar (NASDAQ:CSGP) Vs The Rest Of The Data & Business Process Services Stocks

Stock Market Today, April 10: Markets Flat as Investors Watch Iran Peace Negotiations

Is It Time To Reassess Fair Isaac (FICO) After Its Sharp Share Price Pullback?

Fair Isaac (FICO) Valuation Check As Strong Earnings Meet Cautious Revenue Outlook

Facing a Precarious Economy, Gen Z Turns to Credit